Cash Flow Projection Calculator
A cash flow projection turns your recurring monthly income and expenses into a month-by-month view of how much cash you will actually have.
It answers the question a profit number can't: will the balance stay positive every month, or does cash run out before the year is up?
Projecting 24 months ahead. Set a line's end month for one-offs or seasonal items.
Monthly income
Recurring money coming in. Use growth for ramping sales; set start/end for seasonal lines.
| Label | Amount / mo | Start | End | Growth %/mo | |
|---|---|---|---|---|---|
Monthly expenses
Recurring money going out. A one-off cost is a line whose start and end month are the same.
| Label | Amount / mo | Start | End | Growth %/mo | |
|---|---|---|---|---|---|
Projection
Ending balance
€48,000
Lowest point
€0
Cash runway
Stays positive
Net over horizon
€48,000
| Month | Income | Expenses | Net | Balance |
|---|---|---|---|---|
| Month 1 | €10,000 | €8,000 | €2,000 | €2,000 |
| Month 2 | €10,000 | €8,000 | €2,000 | €4,000 |
| Month 3 | €10,000 | €8,000 | €2,000 | €6,000 |
| Month 4 | €10,000 | €8,000 | €2,000 | €8,000 |
| Month 5 | €10,000 | €8,000 | €2,000 | €10,000 |
| Month 6 | €10,000 | €8,000 | €2,000 | €12,000 |
| Month 7 | €10,000 | €8,000 | €2,000 | €14,000 |
| Month 8 | €10,000 | €8,000 | €2,000 | €16,000 |
| Month 9 | €10,000 | €8,000 | €2,000 | €18,000 |
| Month 10 | €10,000 | €8,000 | €2,000 | €20,000 |
| Month 11 | €10,000 | €8,000 | €2,000 | €22,000 |
| Month 12 | €10,000 | €8,000 | €2,000 | €24,000 |
| Month 13 | €10,000 | €8,000 | €2,000 | €26,000 |
| Month 14 | €10,000 | €8,000 | €2,000 | €28,000 |
| Month 15 | €10,000 | €8,000 | €2,000 | €30,000 |
| Month 16 | €10,000 | €8,000 | €2,000 | €32,000 |
| Month 17 | €10,000 | €8,000 | €2,000 | €34,000 |
| Month 18 | €10,000 | €8,000 | €2,000 | €36,000 |
| Month 19 | €10,000 | €8,000 | €2,000 | €38,000 |
| Month 20 | €10,000 | €8,000 | €2,000 | €40,000 |
| Month 21 | €10,000 | €8,000 | €2,000 | €42,000 |
| Month 22 | €10,000 | €8,000 | €2,000 | €44,000 |
| Month 23 | €10,000 | €8,000 | €2,000 | €46,000 |
| Month 24 | €10,000 | €8,000 | €2,000 | €48,000 |
What this tool does not do
- Pull figures from your accounting system or bank — every line is entered by hand.
- Convert currencies — enter everything in one currency.
- Model tax, VAT timing, or interest automatically.
- Store, save, or share the numbers you enter.
- Replace a full financial forecast or professional accounting advice.
About Cash Flow Projection
A cash flow projection turns your recurring monthly income and expenses into a month-by-month view of how much cash you will actually have.
It answers the question a profit number can't: will the balance stay positive every month, or does cash run out before the year is up?
When to use it
- Budgeting a new product line, container buy, or supplier commitment.
- Checking how many months of runway you have at the current burn rate.
- Stress-testing a price increase, new hire, or financing cost against the balance.
- Planning around seasonal income with per-line start and end months.
Calculation logic
The calculator uses these practical rules:
- Monthly net = total income that month − total expenses that month.
- Running balance = previous balance + monthly net (starting from the opening balance).
- A line with growth compounds from its start month: amount × (1 + growth%)^(month − start).
- Cash runway is the first month the running balance drops below zero.
Worked examples
- Opening balance: $20,000
- Income: $8,000/mo
- Expenses: $10,000/mo
Each month loses $2,000, so the balance falls 20,000 → 18,000 → 16,000 …
How to use the cash flow projection
Start with your opening cash balance, then add the recurring income and expense lines you expect each month.
Use the start and end month on a line for seasonal or temporary items, and the monthly growth percentage for income or costs that ramp over time.
Read the running balance column and the chart to see whether cash stays positive across the full 24 months.
Why cash flow differs from profit
Profit can look healthy while cash runs dry: a large stock purchase, a tax payment, or a slow-paying customer all hit cash before they hit the profit line.
A rolling balance projection exposes the month where cash actually runs out — your runway — so you can act before it happens by adjusting payment timing, financing, or order size.
Frequently asked questions
Is this profit or cash?
Cash. It tracks money in and out of the balance each month, not accrual profit. A profitable month can still be cash-negative if expenses land before income.
How do I model a one-off cost or income?
Set the line's start month and end month to the same month, so it applies once.
How does growth work?
Growth is an optional monthly percentage that compounds from the line's start month — useful for ramping sales or rising costs.
Does it save my numbers?
No. Everything stays in your browser for the session and is never stored or shared.